For a first-time buy-to-let purchase in 2026, what is the minimum deposit required by lenders for standard BTL mortgages, given current stress test criteria and lending appetites, and what are practical strategies to maximise affordability in a rising interest rate environment?
Quick Answer
Most lenders require a 25% deposit for first-time BTL mortgages. Stress tests require rent to cover 125% of mortgage interest at 5.5%, making high-yielding properties essential to affordability.
About This Topic
First-time BTL investors in 2026 need a 25% minimum deposit. Affordability is driven by 125% rental stress tests at 5.5% notional rate. Maximise yield for success.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
Expert Guidance from Steven Potter
Steven Potter is a UK property investment coach with a £1.5M portfolio and over 5 years of hands-on experience. He has helped over 1,000 students achieve their property investment goals through practical, ethical strategies.
Ready to Take Action?
Get personalised property investment coaching with Steven Potter's Property Freedom Framework.
Learn about the Property Freedom Framework